Florida's workers' comp base rates are the same statewide, but every city has a different mix of industries, risks and local rules. Choose your city for local guidance, 2026 rates for common local industries, and a free quote.
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No — not because of the city itself. Florida requires every carrier to use the same NCCI base manual rates, and there are no city or county surcharges. A roofer in Miami and a roofer in Pensacola start from the same 2026 rate of $8.24 per $100 of payroll. What differs between cities is the mix of industries: Tallahassee and Boca Raton have many low-cost office employers, while Fort Myers, Cape Coral and Tampa Bay have many high-hazard storm-rebuilding contractors, and Jacksonville and Lakeland have large trucking and logistics workforces.
Your premium is (annual payroll ÷ $100) × class code rate × experience mod, plus a $160 expense constant, less any carrier credits such as the 5% Drug-Free Workplace credit. See the full 2026 Florida rate table, the statewide FAQ, or workers' comp guides for 19 Florida industries.